But this time Da Su didn't think that the pain of fate would be.↗,

Wang Ju not only paid off his debts, but also gave him a lot of money and silk to Xiao Su. Now he will not let Xiao Su transfer it to Da Su, but wait until he has almost finished his life and knows the difficulty of life, so Xiao Su handed the money and silk to Da Su.

If Da Su still didn't wake up like this, he had money in his hands, and then ate and drank as much as before, and had sex and had fun in prostitutes, Wang Ju had no choice.

In fact, Xiao Su was speechless after receiving Wang Ju's letter. He found such a naive and romantic elder brother, but he was the elder brother. The elder brother was like his father. What should he do?

So this statistics are really important.

However, Wang Ju was not talking about this.

The so-called bank will not have the functions of later banks. But if it appears, it will have no miraculous effects.

First, it will meet the needs of currency.

If the bank office has 10 million taels of silver and 1 million taels of gold as principal, their value is actually more than 50 million guan. Then there is Jiaozi, not the Jiaozi of the court, but the new Jiaozi on the other side. They use various exquisite silk as Jiaozi, and then use various gold, silver silk and printing patterns as anti-counterfeiting marks, the denomination is also very small. In fact, the cost of this Jiaozi can reach half of Jiaozi's denomination. And it has been issued, and I believe it will spread to the Central Plains soon.

Then with these principals and Jiaozi with a certain cost, the court can distribute nearly 100 million yuan of Xin Jiaozi.

The money shortage problem in the Song Dynasty was immediately alleviated.

But the key is to be the principal, and this problem is easier to solve.

Wang Ju sent many people to Japan to find silver mines, but now he has only found three small silver mines, which is definitely not possible. Therefore, Wang Ju asked Liu Shao to go to Japan to discuss with the powerful and powerful people first. If he found the silver mine, he was responsible for supporting the mining development, including gunpowder, and the other party was responsible for craftsmen and mine slaves. The silver issued must be handed over to the Song Dynasty, but not paid, but exchanged for equivalent Song Dynasty commodities, which means that the other party's powerful people would not cause any losses. However, when exchanging Song Dynasty commercial goods, Wang Ju was equivalent to making a huge difference in the middle and the silver he wanted most.

In addition, the powerful and powerful people in Japan beat these silver mines to death, or turned upside down. They had nothing to do with the craftsmen under Wang Ju.

This proposal also made all the powerful people excited.

Therefore, many powerful people in Japan have sent out a large number of people to assist, and the number of people who are looking for silver mines has reached nearly a thousand people at the highest. It is just like the egg-sized place and there is a volcanic belt. So many people are looking for mines. I believe that good news will not be long before it will be heard.

At the same time, Wang Ju also sent a small number of ships to Dashi trading, not only to make money, but also to earn gold and silver there.

Therefore, even if there is no such gold mine, as long as the court cooperates slightly, I believe that Wang Ju will be able to collect 10 million taels of silver and 1 million taels of gold for the Song Dynasty in about five years.

The second is profit.

The money shortage in the Song Dynasty was very serious, and the people took out cloth to trade. No one traded it. However, the government took out hundreds of thousands of scoops of copper coins, and immediately lost its shadow like water splashed out. Therefore, Da Su later said in Hangzhou: Central Zhejiang has always been known as a money shortage, especially now. People put in silver, silk, silk, and cotton into the market, so no one cared about it. The households of the warehousing warehouses were often closed during the day. According to Su Shi, the market in Zhejiang was unable to trade due to lack of cash, and the pawnshops stopped operating in broad daylight because they had no cash.

But the Song Dynasty really lacks copper coins?

You should know that at the highest point in history, the Song Dynasty minted more than 5 million coins at a time. Although it was not minted every year, it was often minted. On average, it would have to be minted on a large scale every two or three years. Moreover, there were old coins passed down from the Five Dynasties and Ten Kingdoms and even the Tang Dynasty circulated.

After Wang Ju's promotion, a record of more than 8 million coins appeared in the previous year.

Many copper coins were spread to foreign countries, including the Liao Dynasty, Xixia, Jiaozhi, Japan, Goryeo, South China Sea, and illegal merchants also smelted into bronze mirrors, bronze statues, copper basins and other vessels, but most of the copper coins remained.

Why is there a shortage of money?

The main reason was that the economy of the Song Dynasty was prosperous, and the copper coins were seriously insufficient. The less it was, the more nervous the copper coins it was. Therefore, many people placed copper coins other than treasures at home, and even used dozens of large houses to put money. As for small families, they buried the money underground.

In other words, although these copper coins are minted, they become dead coins and rarely have a circulation effect.

If the bank comes out without doing anything, maintains a good reputation, and lets the people have the idea of ​​putting it in the bank more than in the home insurance, and at the same time pays some interest to the people, then the money will enter the banking department, and then use lending methods, and all the copper coins will be recirculated.

Then these deposits and the newly added new transactions may bring more than 10 million direct income to the court in a year.

More than that.

Now the largest currency trading volume in the Song Dynasty is not copper coins, but cloth!

However, many transactions are fabrics themselves, and very few are traded with copper coins. As for gold and silver themselves, they are insufficient, who can use them to trade? So they often have to barter with goods. Think about large-scale transactions and barter with goods. What's the trouble of how troublesome it is?

So Jiaozi Salt Notes Tea Introduced.

However, not many ministers truly understand the economy. Although these three things are convenient, they have always lacked credibility. Not only are they troublesome to exchange, but when the court cannot pay, they roughly use new banknotes and new banknotes to replace old banknotes and old banknotes, and continue to use paper to replace paper!

But it's not bad at the moment. Although the court issued a lot of Jiaozi, the quantity was under control. However, afterwards, the entire banknotes began to flood. Then the entire reputation collapsed...

Therefore, Wang Ju has been emphasizing that gold and silver are the principal, and the number of Jiaozi cannot exceed twice the principal, even if it is used for a new salary.

Then if it can be successful, large-scale transactions will become extremely convenient. For example, taking a batch of bamboo paper from Hangzhou to Shaanxi was a very troublesome, and I had to bring a lot of goods back. Now, I will bring a passbook and I will earn money, and the court also received the handling fee for redemption from the two places.

And trade will also prosper, so the court can increase commercial tax revenue.

Finally, it is the direct stimulus effect on the economy.

Two simple examples are: because of the lack of funds and the usury is too unintentional. Many merchants go to trade overseas for ships. That's it. Many ships dare not carry full cargo, but low-interest bank loans will not cause this situation.

For example, most of the houses in the Song Dynasty today had low thatched eaves, and green grass on the stream, that is, that is, that huts. Only a few families had blue bricks, brown tiles or wooden buildings.

However, brick and tile technology has matured, and coal production is also increasing.

If there are banks, local governments can issue loans to merchants to stimulate the generation of brick kilns. At least the fourth-class households with slightly better conditions can build brick and tile houses. However, this is a bit troublesome, because the court is planning to collect taxes, how to calculate farmland, houses and other property, so the people dare not raise cattle, cattle are wealth. Then houses are even more wealth. However, it is not difficult to stimulate. Just issue an edict, and ordinary brick and tile houses are not included in the property income of households. As long as it brings more income to the court, I believe this edict will be easily passed.

So how much economy will it drive? How much commercial tax can the court receive?

If these two things can be combined, they will not only be an income of 20 million yuan!

It was not until this time that Wang Ju said his thoughts one by one.

This is a good measure to not restrain the people but to use the country to leniently use it.

"Where is gold and silver?"

"Your Majesty, gold and silver are the key, but perfect systems and talents are also the key. Otherwise, even if the banking department is launched, the court may not have much profit."

Even banks in later generations still produced a lot of corruption and misappropriation.

"Also, the direct income of the banking department may not be too high. Generally, the income of various industries is more than two points, but it is really rare. Of course, if you can't survive, borrowing a small amount of loan is also a way out when you are in urgent need. Therefore, my view on Qingmiao Loan is neutral. The bad side is that the interest rate is too high, half a year and even four points a year, focusing on making money, forcibly levied. On the good side, sometimes some people are rescued from urgent because of it. At least it is much better than those powerful people who have a higher interest rate of more than six points and a higher interest rate."

"But it is impossible to pay this kind of interest to various merchant workshop owners. This is also the reason why I succeeded in Qingzhou and the court failed. One is one cent profit, the other is two cents and three cents profit. Some people lend it to the former, and who lend it to the latter? However, some previous measures have laid some foundations. The appearance of the Post Office and the Feiqian Office made many officials familiar with the circulation and transfer of money and silk. My practice in Qingzhou has also provided a good reference for how officials deposit and loans in the future."

"However, one is a low-interest loan, and on the other hand, it is necessary to pay interest to the people who have deposited money. Even if you use the property of each person as collateral, like Chen or Qingmiao Loan, you may also generate many dead accounts, so the final income will not be too much. Why do you value it very much? Direct income may not account for more than half, but there is another income, that is, commercial tax."

"I have said before that the country and the people's property are not immovable as Sima Guang said. Just like the Tang Dynasty, the people were closed, so the economy was very closed. However, our dynasty was different. When Zhou Shizong was young, he used his identity as a merchant to earn a lot of wealth for Zhou Taizu. The two ancestors of our dynasty inherited some policies of Zhou Shizong, and therefore paid more attention to business than the Tang Dynasty, and did not prohibit the people from moving. These measures made our dynasty's finances several times that of the Tang Dynasty. So can we go further?"

That is, the tax is in commerce.

The emergence of the banking department will undoubtedly further stimulate the development of industry and commerce, but if the imperial court cannot collect taxes, it will not generate direct income. Although the prosperity of industry and commerce will support many people, how many people can they receive support without direct income? To put it seriously, if the economy of the Ming Dynasty is not prosperous, it is prosperity, but the situation between the two ends is even more serious. The gentry is rich, the poor people are even poorer, and the court is also seriously short of income.

A small ice river arrived, so the Ming Dynasty ended...

In fact, what Wang Ju said about commercial taxes may not necessarily harm the interests of the powerful. First, it can ensure that the country lasts for a long time, second, it can relax the pressure on the common people, and third, it can generate a better economic environment. With this economic environment, the income of each powerful will inevitably increase.

Just like in China later, weren’t there more taxes than in the Song Dynasty today? But how many rich people were created because of economic development? Especially those businessmen with backgrounds benefited from it?

But Wang Ju said, how many people can believe it now?

"It's so difficult."

"It's very difficult. When His Majesty issued an edict to transfer me to the Ordinance Department, why are you unhappy? Because of this, Jiefu Gong's reform of the law, many areas will indeed seriously disturb the people. But what I think is a strategy of using the country without adding taxes. If you don't plan for each other, how can I stay in the Ordinance Department?"

"But you didn't tell me."

"Your Majesty, then you blame me for wrongly. I really didn't say it? So where did you come from to reduce the army and strengthen the army? Where did you come from Fangchanghedu? How did you come from to reduce the number of places for imperial examinations? And the court was so deficient at that time. Although Mr. Jie Fu's actions were not good, it was also an urgent solution. If Mr. Jie Fu's reforms were not good, how could the court have a wealthy finance today? What should I say in the dilemma?"

"But this trade tax?"

"It's very troublesome, especially if it comes from my mouth."

“Why?”

"For example, the government proposed to cancel the Municipal Change Department and reset the Southern 12th Road Delivery Department. The court is very quiet now, and everyone is waiting for the results of the Sansi checking the account. Once it comes out, there will be huge controversy in the court immediately."

"What kind of controversy will it be?"

"The scholar-officials who support the reform will think that I will cancel the reform one by one, so they will find many reasons and do not support my proposal. The scholar-officials who oppose the reform will think that this is a good opportunity, so they will take the opportunity of the court to cancel the Municipal Affairs Office and tell them all the various disadvantages brought about by the reform. Maybe it will cause a sensation in the court like Xiningchu. As for the minister's ideas, if they are caught between the two, who will care?"

Zhao Xu understood this statement.

Therefore, Wang Ju asked Zhao Niannu to invite Zhao Xu over, which is also the reason.

If you put it here, it’s easy to say if there is. But in the palace, there may be a few eunuchs and palace maids serving each other, so what can Wang Ju say?

Zhao Xu was thinking about something in his mind again, where is Wang Ju an lonely minister...

In fact, Wang Juzhen cannot be regarded as a lonely minister. Moreover, if this measure is implemented, although it may be dissatisfied and taken advantage of by the ministers of the two factions, it will establish great prestige among the moderates!

Not to mention Wang Zhen, even famous officials such as Lu Gongzhu, Fan Chunren and Wang Ju's "senior brother" Lu Dafang will immediately reverse their views on Wang Ju. (To be continued.)
Chapter completed!